Powered by Edge Home Finance Corporation NMLS #891464
Powered by Edge Home Finance Corporation NMLS #891464
The VA Home Loan Program isn’t just another mortgage option — it’s a hard-earned benefit that rewards your service with advantages civilian borrowers don’t have.
Whether you’re active-duty, a veteran, or a surviving spouse, Orders to Keys helps you understand and maximize your VA eligibility.
Because when you understand your benefit, you use it with confidence — and we make sure you use every piece you’ve earned.
Backed by the U.S. Department of Veterans Affairs, the VA guarantees a portion of your loan, allowing brokers like Christine Jones to connect you with lenders who offer better terms and more flexibility than conventional financing
Buy with no down payment required.
No private-mortgage insurance ever.
Past credit issues don’t automatically disqualify you.
Historically below conventional averages.
Pay off early without fees.
Lower your rate with minimal paperwork.
You may qualify if you meet any of these conditions:
90 continuous days of service.
Completed minimum active-duty requirements.
6 years of service or 90 days active duty.
Of veterans who died in service or from a service-connected disability.
We’ll help you retrieve your Certificate of Eligibility (COE) quickly — often within minutes.
If you receive VA disability compensation, that income can count toward qualifying.
Because it’s stable and non-taxable, it can even increase your buying power.
Many veterans with disability benefits are also exempt from the VA Funding Fee, saving thousands at closing.
💬 Tip: If you’re rated 10% or more for VA disability, your funding fee is waived entirely.
| Loan Type | First-Time Use | Subsequent Use |
|---|---|---|
| Purchase – 0% Down | 2.15% | 3.30% |
| Purchase – 5% Down | 1.50% | 1.50% |
| Purchase – 10% Down | 1.25% | 1.25% |
| IRRRL (Refi) | 0.50% | 0.50% |
🟢 Waived for veterans receiving VA disability or qualified surviving spouses.
🚫 False.
With the right lender, VA loans often close as fast as conventional ones.
At Orders to Keys, we coordinate with VA-approved lenders who streamline appraisal and underwriting, closing in 21 days or less on most files.
🚫 False.
VA loans don’t add risk for sellers. They protect both buyer and property by requiring homes to be safe, sound, and sanitary.
We educate agents and sellers so VA offers stand strong and close smoothly.
❌ Not true.
You can reuse your VA entitlement as many times as you want — even after selling or refinancing a previous VA loan. It’s a lifetime benefit, not a one-time perk.
Once a VA loan is paid off and the property sold, your full entitlement can be restored, giving you complete eligibility again. Even if you keep the first home, you may have partial entitlement available for a second purchase.
Example: Using VA Benefits Twice
You bought a home in El Paso, TX for $250,000 using your VA loan. A few years later, PCS orders send you to Fort Hood. You keep your El Paso home as a rental but still have remaining entitlement for another purchase.
✅ Use your partial entitlement to buy the Fort Hood home if it fits within remaining eligibility and loan limits.
✅ When you sell the El Paso property, your full entitlement is restored, ready for future use.
💬 The VA loan is a benefit you can use again and again — wherever life and service take you.
❌ Wrong.
If you’re upgrading or moving to a new duty station but keeping your current home, it can be classified as a departing residence.
When that home becomes a rental, most VA-approved lenders (including those with Edge Home Finance) will credit 100 % of verified rental income from a signed lease or market rent analysis to offset your existing mortgage payment.
✅ This reduces your debt-to-income ratio (DTI) and makes qualifying for your next VA loan much easier.
💬 You can move up, rent out your current home, and still qualify for your next VA purchase — a powerful tool for building long-term wealth.
🚫 Not anymore.
As of 2020, the VA removed county loan limits for borrowers with full or restored entitlement.
That means if this is your first VA loan or your entitlement has been restored, you can buy a home at any price your income and credit support — with zero down payment.
Partial entitlement borrowers still follow county limits, but full entitlement means no maximum purchase price under VA rules.
💡 Your entitlement — not an old loan limit — determines your buying power.
❌ Not at all.
The VA itself does not set a minimum credit score — individual lenders do.
That’s where Orders to Keys, powered by Edge Home Finance, stands apart.
We partner with VA-approved lenders who follow true VA guidelines, not restrictive overlays.
Through manual underwriting, borrowers with scores as low as 500 can still qualify when they demonstrate strong residual income, stable employment, and a solid payment history.
💬 Your credit doesn’t have to be perfect — it just has to tell the story of recovery, stability, and financial readiness.
🚫 False.
The VA Renovation Loan lets you purchase and improve a home with one loan — rolling repairs, upgrades, or accessibility modifications into your VA-backed financing.
While most lenders focus on DTI (debt-to-income ratio), the VA cares more about residual income — the amount left after all monthly expenses.
💬 It’s not just about numbers — it’s about your ability to thrive after closing.
At Orders to Keys, we don’t just process loans — we educate, advocate, and deliver results. We guide you through each step, from eligibility to closing, with clarity and care.
Because when you served, you earned more than a paycheck —
you earned the right to homeownership.
